For property claims, send us a police or fire report, depending on the nature of the loss.

For liability claims, we'll immediately connect you with a Liability Adjuster. They'll work the process depending on your unique circumstances.

How to claimClick on a step to learn more

Keep receipts for each of your belongings. If that’s not possible, take photos and note the item's brand name, serial number and model.

Frequently asked questionsFAQs

Q

Do I need Renters Insurance if I don't own very much?

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A

Most people’s belongings are worth more than they think. A better question is: “How much would it cost to replace everything I own”?

Q

Can roommates share coverage through one policy?

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A

Yes. If you’d like to add a roommate, please visit www.myassurantpolicy.com after you buy. All individuals will be named on any claim payments or policy refunds.

Q

Does my landlord's insurance cover me?

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A

No – the landlord’s insurance generally covers only the building where you live. There is no coverage for your personal belongings or any personal liability coverage if you are negligent and legally responsible for causing bodily injury or damage to someone else’s property.

Q

Why do I need personal liability insurance?

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A

Most property managers are now requiring evidence of personal liability insurance when tenants rent an apartment. Personal liability coverage will pay for damage you may accidentally cause to the rental property as a result of fire, smoke, explosion and water damage.

Q

How many named insureds can I list in my policy?

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A

If you purchase a Renters Insurance policy you can list one named insured and one additional insured. Anyone listed on the policy will be named on any claim payments or policy refunds.

Q

Can I purchase coverage for my child who is renting an apartment/dorm while at college?

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A

Yes – however, you can’t request any changes unless you are also listed on the policy.

Q

If I have a loss, what should I keep as proof of personal property to make sure I get fully reimbursed?

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A

The best way to prove ownership is keeping receipts of purchase for each of your belongings. However, if that’s not possible, you can provide us with pictures of the each item with their brand names, serial numbers and models.

Q

How are claims for personal property with replacement cost paid?

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A

If your personal property is damaged by a covered peril, we will pay the replacement cost of the item without deduction for depreciation. You’ll need to replace the item(s) before the full replacement cost can be paid, otherwise cash value will be paid.

More aboutRenters Insurance

Protect your personal belongings for less than $1/day*

Fire. Theft. Burst pipes. A lot of things can happen to a rental property, and your landlord’s insurance policy only covers your home or apartment's physical structure – not your personal items. So stuff like your furniture, clothes, TV, computers and more are at risk.

You bought all of it – why not protect it? That's where Renters Insurance comes in.

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Customizable options

Renters Insurance from Protect Your Bubble lets you build a policy to suit your needs, with customizable options you can personalize. You'll be able to choose your deductible amount and cover level (starting as low as $100 and $10,000, respectively). So if you don't have a lot of stuff, or only want to protect the essentials, you're set. Because limits vary by state, you'll need to get a quote to see what options are available to you.

And if you need to file a claim, our compassionate and efficient claims team is there 24/7 to help; we've got more than 20 years of experience and have seen just about everything. It’s our job to make sure you get back to living your life with no catches, no loopholes and no confusion – just help when you need it most.

Get started

You can arrange coverage up to 90 days before your move, which is great if you like planning ahead. More of a procrastinator? You can purchase up to the day before you move into your new place, and can cancel anytime. Get a quote to get started.

Fine print & disclaimers

Fine print & disclaimers

*Based on a national average cost of $10,000 personal property coverage, $50,000 personal liability coverage, $250 deductible, and replacement cost. Get a quote for an exact quote based on your state and the amount of coverage you need.

The underwriters are American Bankers Insurance Company of Florida, (11222 Quail Roost Drive, Miami, FL 33157; Domicile (FL); NAIC # 10111; authorized to write in Washington, D.C. and all states in the United States), with its home office in Miami , Florida; in MN, American Security Insurance Company, both Assurant Specialty Property companies with a Best's Rating of "A" (Excellent) by A.M. Best Company. In TX, the personal property coverage is underwritten by Ranchers and Farmers Mutual Insurance Company and the personal liability coverage is underwritten by American Bankers Insurance Company of Florida. In Utah, coverage is provided under policy form AJ8850PC-0307. Each insurer has sole financial responsibility for its own products. Coverage may vary by state.

All insurance products are offered by The Signal, L.P., a licensed and appointed insurance agency. Protect Your Bubble, the Protect Your Bubble logo, Bubble and Squeak and other Protect Your Bubble trademarks, service marks, graphics and logos used in connection with this website are trademarks of Assurant, Inc. in the United States.